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First State Bank and Trust

Monticello, IL · Cert 16332 · First St Bcorp Monticello Employee STK Ownership Plan

State charter, non-member · FDIC · 8 branches

Q2 2026

$509.6MAssets
$200.7MLoans
$464.3MDeposits
$43.1MEquity
Loan mix
93%RE $170.7M4%C&I $8.0M2%Consumer $3.9MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $326.2M30%Noninterest $138.0MQ2 2025Q2 2026

NIM

4.52%Q2 ’244.35%Q2 ’254.40%Q2 ’26-5%+2%

Non-interest income vs. expense

2.64%Q2 ’242.61%Q2 ’252.91%Q2 ’26-1%+13%

Market Position · Champaign-Urbana, IL · 2026 SOD (annual) · 3.4% share · #6 of 33 inst. · $0.3B of $8.7B

42.8% Piatt
3.0% McLean
3.9% Douglas
0.3% Champaign

Executive Summary

  • Earnings: ROA of 1.29%, down 14 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.44% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.25%, up 55 bps from a year ago.
  • Funding: loans stand at 43.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.29%-14 bps YoY

Net Interest Margin (YTD, annualized)

3.68%+8 bps YoY

Efficiency Ratio (YTD, annualized)

64.08%+464 bps YoY

Tier 1 Leverage Ratio

9.25%+55 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.44%1.44%1.41%1.29%1.29%-14 bps
Return on Equity18.68%18.27%17.58%14.99%15.08%-360 bps
Net Interest Margin3.60%3.63%3.69%3.62%3.68%+8 bps
Efficiency Ratio59.44%59.90%60.33%63.50%64.08%+464 bps
Non-Interest Burden1.81%1.84%1.89%1.98%2.03%+23 bps
Growth
Asset Growth (YoY)6.33%6.23%5.27%-0.24%-0.84%-718 bps
Loan Growth (YoY)-1.59%-1.28%4.20%8.23%7.94%+953 bps
Deposit Growth (YoY)5.59%5.67%4.18%-1.32%-1.39%-698 bps
Asset Quality
Nonperforming Loans / Loans0.44%0.40%0.50%0.39%0.44%0 bps
Net Charge-Offs / Loans0.09%0.05%0.02%0.00%0.01%-9 bps
Allowance / Loans1.16%1.16%1.16%1.18%1.17%+2 bps
Allowance Coverage of NPLs2.6x2.9x2.3x3.0x2.7x+0.1x
Capital
Tier 1 Leverage Ratio8.70%8.78%8.94%9.11%9.25%+55 bps
Total Risk-Based Capital23.64%23.99%22.92%22.98%23.51%-14 bps
Equity / Assets7.78%8.38%8.68%8.56%8.46%+68 bps
Liquidity & Funding
Loans / Deposits39.49%40.25%44.64%43.47%43.22%+374 bps
Liquid Assets / Assets26.22%23.20%18.48%20.10%20.18%-604 bps
CRE / Total Capitaln/a131.10%143.44%151.82%n/an/a